Buying a home in Chihuahua: taxes, prices, loans

Calculate for Chihuahua

The questions, answered

How much tax and recording fee on a MX$3 million home in Chihuahua?

On a MX$3 million home in Chihuahua, taxed on the highest of an appraisal, the cadastral value and the value in the deed, the buyer pays property transfer tax (ISTD) MX$60,000, university surcharge (4% of the tax) MX$2,400, municipal contributions per transaction (IMPAS, women's institute, DIF, fire service) (3.2 UMA) MX$375, recording fee, Registro Público de la Propiedad MX$19,635: MX$82,410 in all under the 2026 laws read by Payotte, before notary fees.

How much tax and recording fee on a MX$8 million home in Chihuahua?

On a MX$8 million home in Chihuahua: property transfer tax (ISTD) MX$160,000, university surcharge (4% of the tax) MX$6,400, municipal contributions per transaction (IMPAS, women's institute, DIF, fire service) (3.2 UMA) MX$375, recording fee, Registro Público de la Propiedad MX$19,635, MX$186,410 in all, before notary fees.

Are home prices rising in Chihuahua?

The SHF price index for Chihuahua changed by +7.4% between the second quarters of 2025 and 2026, against +7.3% for Mexico; it measures appraisal values of homes bought with a mortgage (Sociedad Hipotecaria Federal).

What does a home cost in Chihuahua?

From January to June 2026, homes bought with a mortgage in Chihuahua were appraised at a median of MX$1,301,862 and a mean of MX$1,752,882; half of them were appraised between MX$891,642 and MX$2,132,894 (SHF). These are appraisal values, not sale prices.

What monthly payment on a MX$3 million home in Chihuahua?

MX$2,400,000 borrowed (20% down) costs MX$25,281 a month over 20 years at 11.31% (Banco de México, August 2026); average CAT 13.78%.

How much tax when you sell a home in Chihuahua?

Federal rules apply in Chihuahua as in every state: a seller who is not a Mexican tax resident pays by default 25% of the gross price (LISR art. 160), MX$750,000 on a MX$3 million sale, paid by the notary; a resident selling their own home is exempt up to 700,000 UDIS, about MX$6,199,266 at 15 October 2026 (art. 93-XIX-a).

How Chihuahua compares

Chihuahua charges MX$62,775 of acquisition tax (2.09%) on a MX$3 million home, 16.3% under the MX$75,000 median of the 54 municipios computed; 18 charge less and 35 more.

The law applies one rate, 2%, to the taxable base, so the tax grows in step with the price: MX$21,175 on MX$1 million, MX$62,775 on MX$3 million and MX$166,775 on MX$8 million. In Chihuahua, a 4% surcharge (University surcharge) is added to the tax and 3.2 UMA of fixed contributions (MX$375) are added per transaction.

Inside Chihuahua, the nearest computed neighbours on a MX$3 million home are Ciudad Juárez MX$62,400 (MX$375 less). The MX$19,635 recording fee comes from the state's own law, so it is identical in each of them and the gap is the municipal tax alone.

Tax and recording fee together take 2.75% of a MX$3 million price, MX$82,410, which is 3.3 monthly payments of MX$25,281 and 13.7% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,301,862 the same rules give MX$47,089, 3.62% of the price.

Ranked from the lightest to the heaviest of the 54 areas, Chihuahua is 19th: just below it in the national ranking is Ciudad Juárez at MX$62,400 and just above it is Zacatecas (Zacatecas) at MX$63,000. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Chihuahua pays MX$38,631 more; the heaviest, Querétaro, takes MX$170,306, MX$107,531 more than Chihuahua.

Beyond the three prices of this page, tax and fee reach MX$61,610 on MX$2 million, MX$124,010 on MX$5 million and MX$269,610 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2.08 centavos of acquisition tax, the same as the average rate. In the daily unit of account (UMA, MX$117 in 2026) the MX$3 million tax is 535 UMA and the recording fee 167.

In Chihuahua, homes bought with a mortgage were appraised at a median of MX$1,301,862 from January to June 2026: the 14th highest of the 32 entities, close to the national median of MX$1,299,580. The mean, MX$1,752,882, is 1.35 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 2.4 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$2,132,894, in the top quarter of mortgage-financed homes.

The SHF price index of Chihuahua rose +7.4% in a year, 0.1 points faster than Mexico's +7.3%: 17th of 32 entities ranked. The 2025 SNIIV count is 24,499 home loans to individuals in Chihuahua, 6.5 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$942,747, 0.72 times the median appraisal. 15.4% of homes are rented there (2024), above the median entity's 14.4%, 13th highest.

A buyer at the state median appraisal with 20% down borrows MX$1,041,490; at the Banco de México average of 11.31% over 20 years that is MX$10,971 a month, against MX$25,281 for the MX$3 million example of this page.

The figures

The SHF publishes home prices in pesos by state only; for a municipality it publishes an index, not a price. The share of rented homes is Payotte's weighted count on 4,749 sampled homes of Chihuahua in INEGI's ENIGH 2024, without a margin of error.

Municipalities of Chihuahua on Payotte

• ChihuahuaMX$62,775
• Ciudad JuárezMX$62,400